How Heritage Bank Protects You
256-Bit SSL Encryption
All data transmitted between your device and our servers is protected with bank-grade encryption.
Two-Factor Authentication
An extra layer of security requiring a verification code in addition to your password.
Session Monitoring
Automatic timeout after inactivity and alerts for logins from new devices or locations.
Real-Time Alerts
Instant notifications for transactions, login attempts, and account changes.
Data Encryption at Rest
Your personal and financial data is encrypted when stored in our secure data centers.
Fraud Monitoring
24/7 automated systems monitor transactions for suspicious activity patterns.
Protect Yourself Online
Password Best Practices
- Use a unique, strong password with at least 12 characters, including uppercase, lowercase, numbers, and symbols.
- Never reuse your banking password on other websites.
- Change your password every 90 days.
- Never share your password with anyone — Heritage Bank will never ask for it.
- Consider using a reputable password manager.
Safe Browsing Tips
- Always verify the web address shows https:// and a lock icon before entering login credentials.
- Bookmark our official website and use that bookmark to access your account.
- Avoid accessing your bank account on public Wi-Fi networks. Use a VPN if necessary.
- Keep your browser and operating system up to date with the latest security patches.
- Install reputable antivirus software and keep it updated.
Recognizing Scams & Fraud
Phishing Emails & Texts
Phishing attempts try to trick you into revealing personal information. Watch for these red flags:
Urgency Tactics
Messages claiming your account will be closed or suspended unless you act immediately.
Suspicious Links
Links that look similar to legitimate URLs but have slight misspellings or extra characters.
Personal Info Requests
Emails asking for your SSN, password, PIN, or full account number.
Unexpected Attachments
Files or downloads you didn't request, which may contain malware.
- Call, email, or text you asking for your password, PIN, or full Social Security number.
- Send you a link asking you to verify your account by entering login credentials.
- Ask you to transfer money to a "safe" or "secure" account.
- Pressure you to act immediately or threaten account closure.
What to Do If You Suspect Fraud
If you notice unauthorized transactions or suspect your account has been compromised, take these steps immediately:
- Step 1: Call our 24/7 Fraud Hotline at 1-800-HERITAGE (option 3) to report suspicious activity and freeze your account if needed.
- Step 2: Change your online banking password immediately from a secure device.
- Step 3: Review your recent transactions and note any unauthorized activity.
- Step 4: File a police report if you believe you are a victim of identity theft.
- Step 5: Place a fraud alert on your credit reports by contacting one of the three major credit bureaus (Equifax, Experian, or TransUnion).
Mobile Banking Security
- Only download the Heritage Bank app from the official App Store or Google Play Store.
- Enable biometric login (fingerprint or face recognition) for added security.
- Keep your mobile operating system and the Heritage Bank app up to date.
- Enable remote wipe capabilities on your device in case it is lost or stolen.
- Set a strong passcode or PIN on your mobile device.
- Do not jailbreak or root your device, as this compromises security features.
FDIC Insurance Protection
All deposits at Heritage Bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, for each account ownership category. This means even if the unexpected happens, your deposits are safe.
Report a Security Concern
If you have a security concern or want to report a vulnerability, please contact us:
- Fraud Hotline: 1-800-HERITAGE (option 3) — available 24/7
- Email: security@heritagebank.com
- In Person: Visit any Heritage Bank branch with valid ID
- Mail: Heritage Bank Security Department, 350 Fifth Avenue, New York, NY 10118